VA Loan Rules For Termite Inspections

In some areas, termites and other wood-destroying pests are a serious problem. House hunters often worry about the condition of older homes when it comes to termites, and in some cases rightfully so. How can the buyer tell with the naked eye whether or not a home has been damaged or infested by termites or other pests?

Often, the untrained observer simply can’t do it.

VA loan rules are designed to protect the buyer and the property the VA borrower wants to purchase. What do the rules say about termites? According to the Department of Veterans Affairs, “Termite inspections are required on existing properties if they are located in an area where the probability of termite infestation is “very heavy” or “moderate to heavy” according to the Termite Infestation Probability Map published in the International Residential Code.”

That means that in areas where termite problems are considered light, or even non-existent, there is no requirement to have the inspection done. A borrower worried about a particular property would have to schedule an inspection, or contact the VA for assistance.

If you are simply worried that a termite problem might exist, chances are good you’ll need to arrange an inspection yourself. But if there’s evidence of an actual problem, the VA rules state, “If there is a question about the location of an infestation probability boundary line in relation to the subject property, contact the Construction and Valuation Section at the VA Regional Loan Center of jurisdiction to determine if this requirement is applicable.”

The rules differ for condo projects. According to the VA, “A wood destroying insect inspection is required in low-rise and high-rise units only when the fee appraiser observes a potential problem.” Contact the nearest VA Regional Loan Center near you to learn more about such requirements: http://www.benefits.va.gov/homeloans/rlcweb.asp

About Bruce Reichstein

Bruce Reichstein is an Expert on (VA) Military/Veteran Home Loan Guidelines for over 26 years — www.VALoans.com. He is an experienced VA Loan Mortgage Banker who is passionate about assisting US Military Veterans utilize their Veteran Eligibility to purchase a home.

The costs vary depending on the market you’re in. Best to speak to your lender about standard times for your location, For more information on VA paperwork processing times try calling the VA directly at 1-800-827-1000.

Hi! I have a question. I have a client who is buying a home with a VA loan, and the sellers and realtors are asking him to pay for the pest inspection. From what I understand, the buyer cannot pay for the inspection himself per VA guidelines. Is this the case?

About Bruce Reichstein

Bruce Reichstein is an Expert on (VA) Military/Veteran Home Loan Guidelines for over 26 years — www.VALoans.com. He is an experienced VA Loan Mortgage Banker who is passionate about assisting US Military Veterans utilize their Veteran Eligibility to purchase a home.

This free guide offers a quick look at vital information you need in the process of buying a home using your VA benefits. Get quick answers to help you get started.